Randolph-Brooks Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Randolph-Brooks Federal Credit Union of Universal City, TX reported 15,566 mortgage applications totaling $2.9 billion, up 5% from 2024. The average application was for $184,026, and applicants reported an average income of $145,307. 46% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Antonio-New Braunfels, TX (7,284), Austin-Round Rock, TX (2,897) and Dallas-Plano-Irving, TX (1,395) (applications in parentheses).
| Mortgage Company & Address | Randolph-Brooks Federal Credit Union Po Box 2097 Universal City, TX 78148 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,566 |
| Total Mortgage Loan Application Amount | $2,864,550,000 |
| Average Mortgage Loan Application Amount | $184,026 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $145,307 |
| Highest Applicant Income | $4,917,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Randolph-Brooks Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar, Texas | 4,731 | $ 614,005,000 | $ 129,783 | $ 128,000 |
| Travis, Texas | 1,171 | $ 273,885,000 | $ 233,889 | $ 193,000 |
| Comal, Texas | 953 | $ 184,005,000 | $ 193,079 | $ 160,000 |
| Guadalupe, Texas | 929 | $ 118,075,000 | $ 127,099 | $ 116,000 |
| Williamson, Texas | 777 | $ 130,835,000 | $ 168,384 | $ 158,000 |
| Hays, Texas | 664 | $ 110,900,000 | $ 167,018 | $ 140,000 |
| Collin, Texas | 652 | $ 141,600,000 | $ 217,177 | $ 193,000 |
| Denton, Texas | 368 | $ 89,490,000 | $ 243,179 | $ 206,000 |
| Nueces, Texas | 309 | $ 45,145,000 | $ 146,100 | $ 137,000 |
| Wilson, Texas | 285 | $ 46,185,000 | $ 162,052 | $ 139,000 |
| Tarrant, Texas | 260 | $ 46,570,000 | $ 179,115 | $ 160,000 |
| Dallas, Texas | 259 | $ 66,915,000 | $ 258,359 | $ 206,000 |
| Harris, Texas | 215 | $ 43,575,000 | $ 202,674 | $ 184,000 |
| Caldwell, Texas | 165 | $ 23,995,000 | $ 145,424 | $ 114,000 |
| Medina, Texas | 137 | $ 24,555,000 | $ 179,233 | $ 137,000 |
| Bastrop, Texas | 120 | $ 22,980,000 | $ 191,500 | $ 126,000 |
| Kendall, Texas | 119 | $ 36,335,000 | $ 305,336 | $ 210,000 |
| Kerr, Texas | 119 | $ 18,175,000 | $ 152,731 | $ 112,000 |
| Bell, Texas | 84 | $ 9,150,000 | $ 108,928 | $ 115,000 |
| Atascosa, Texas | 80 | $ 10,960,000 | $ 137,000 | $ 117,000 |
| Montgomery, Texas | 79 | $ 19,065,000 | $ 241,329 | $ 181,000 |
| Fort Bend, Texas | 77 | $ 15,195,000 | $ 197,337 | $ 184,000 |
| Gonzales, Texas | 61 | $ 8,995,000 | $ 147,459 | $ 99,000 |
| Burnet, Texas | 56 | $ 14,340,000 | $ 256,071 | $ 151,000 |
| San Patricio, Texas | 56 | $ 7,000,000 | $ 125,000 | $ 124,000 |
| Bandera, Texas | 50 | $ 10,980,000 | $ 219,600 | $ 146,000 |
| Hidalgo, Texas | 50 | $ 4,920,000 | $ 98,400 | $ 125,000 |
| Cameron, Texas | 45 | $ 6,855,000 | $ 152,333 | $ 140,000 |
| Aransas, Texas | 42 | $ 9,130,000 | $ 217,380 | $ 188,000 |
| Grayson, Texas | 42 | $ 9,830,000 | $ 234,047 | $ 157,000 |
| Webb, Texas | 41 | $ 5,125,000 | $ 125,000 | $ 119,000 |
| Gillespie, Texas | 39 | $ 9,135,000 | $ 234,230 | $ 168,000 |
| Rockwall, Texas | 39 | $ 11,005,000 | $ 282,179 | $ 185,000 |
| Blanco, Texas | 36 | $ 12,160,000 | $ 337,777 | $ 207,000 |
| Ellis, Texas | 35 | $ 8,895,000 | $ 254,142 | $ 192,000 |
| Parker, Texas | 29 | $ 6,245,000 | $ 215,344 | $ 185,000 |
| El Paso, Texas | 28 | $ 2,390,000 | $ 85,357 | $ 101,000 |
| Galveston, Texas | 25 | $ 4,745,000 | $ 189,800 | $ 194,000 |
| McLennan, Texas | 25 | $ 5,185,000 | $ 207,400 | $ 134,000 |
| Smith, Texas | 24 | $ 6,840,000 | $ 285,000 | $ 126,000 |
| Johnson, Texas | 23 | $ 3,155,000 | $ 137,173 | $ 136,000 |
| Brazos, Texas | 22 | $ 5,290,000 | $ 240,454 | $ 282,000 |
| Brazoria, Texas | 21 | $ 4,705,000 | $ 224,047 | $ 142,000 |
| Hunt, Texas | 21 | $ 3,955,000 | $ 188,333 | $ 136,000 |
| Kaufman, Texas | 21 | $ 4,095,000 | $ 195,000 | $ 132,000 |
| Karnes, Texas | 16 | $ 2,490,000 | $ 155,625 | $ 97,000 |
| Llano, Texas | 16 | $ 4,810,000 | $ 300,625 | $ 127,000 |
| Lavaca, Texas | 14 | $ 3,430,000 | $ 245,000 | $ 116,000 |
| Victoria, Texas | 13 | $ 2,065,000 | $ 158,846 | $ 98,000 |
| DeWitt, Texas | 12 | $ 2,000,000 | $ 166,666 | $ 103,000 |
| Ector, Texas | 12 | $ 660,000 | $ 55,000 | $ 120,000 |
| Lubbock, Texas | 12 | $ 3,000,000 | $ 250,000 | $ 164,000 |
| Maverick, Texas | 12 | $ 980,000 | $ 81,666 | $ 107,000 |
| Wise, Texas | 12 | $ 2,810,000 | $ 234,166 | $ 121,000 |
| Live Oak, Texas | 11 | $ 1,175,000 | $ 106,818 | $ 91,000 |
| Taylor, Texas | 11 | $ 1,355,000 | $ 123,181 | $ 135,000 |
| Val Verde, Texas | 11 | $ 1,255,000 | $ 114,090 | $ 136,000 |
| Fayette, Texas | 10 | $ 1,450,000 | $ 145,000 | $ 118,000 |
| Frio, Texas | 10 | $ 1,200,000 | $ 120,000 | $ 85,000 |
| Hill, Texas | 9 | $ 2,285,000 | $ 253,888 | $ 108,000 |
| Milam, Texas | 9 | $ 1,695,000 | $ 188,333 | $ 119,000 |
| Cooke, Texas | 8 | $ 1,820,000 | $ 227,500 | $ 175,000 |
| Fannin, Texas | 8 | $ 700,000 | $ 87,500 | $ 105,000 |
| Henderson, Texas | 8 | $ 1,090,000 | $ 136,250 | $ 151,000 |
| Lampasas, Texas | 8 | $ 1,470,000 | $ 183,750 | $ 226,000 |
| Nacogdoches, Texas | 8 | $ 1,040,000 | $ 130,000 | $ 80,000 |
| Uvalde, Texas | 8 | $ 740,000 | $ 92,500 | $ 126,000 |
| Colorado, Texas | 7 | $ 965,000 | $ 137,857 | $ 139,000 |
| Erath, Texas | 7 | $ 1,835,000 | $ 262,142 | $ 195,000 |
| Midland, Texas | 7 | $ 1,345,000 | $ 192,142 | $ 155,000 |
| Navarro, Texas | 7 | $ 1,095,000 | $ 156,428 | $ 107,000 |
| Wichita, Texas | 7 | $ 1,405,000 | $ 200,714 | $ 132,000 |
| Dimmit, Texas | 6 | $ 630,000 | $ 105,000 | $ 104,000 |
| Hood, Texas | 6 | $ 1,280,000 | $ 213,333 | $ 122,000 |
| Jim Wells, Texas | 6 | $ 1,050,000 | $ 175,000 | $ 190,000 |
| Kleberg, Texas | 6 | $ 580,000 | $ 96,666 | $ 172,000 |
| Randall, Texas | 6 | $ 1,440,000 | $ 240,000 | $ 294,000 |
| Tom Green, Texas | 6 | $ 920,000 | $ 153,333 | $ 150,000 |
| Waller, Texas | 6 | $ 820,000 | $ 136,666 | $ 90,000 |
| Wharton, Texas | 6 | $ 1,380,000 | $ 230,000 | $ 137,000 |
| Wood, Texas | 6 | $ 790,000 | $ 131,666 | $ 102,000 |
| Bosque, Texas | 5 | $ 965,000 | $ 193,000 | $ 120,000 |
| Brown, Texas | 5 | $ 685,000 | $ 137,000 | $ 133,000 |
| Coryell, Texas | 5 | $ 445,000 | $ 89,000 | $ 138,000 |
| Liberty, Texas | 5 | $ 645,000 | $ 129,000 | $ 108,000 |
| Polk, Texas | 5 | $ 825,000 | $ 165,000 | $ 184,000 |
| San Jacinto, Texas | 5 | $ 1,015,000 | $ 203,000 | $ 103,000 |
| Calhoun, Texas | 4 | $ 620,000 | $ 155,000 | $ 209,000 |
| Harrison, Texas | 4 | $ 360,000 | $ 90,000 | $ 151,000 |
| Lamar, Texas | 4 | $ 500,000 | $ 125,000 | $ 49,000 |
| Lee, Texas | 4 | $ 550,000 | $ 137,500 | $ 90,000 |
| McCulloch, Texas | 4 | $ 730,000 | $ 182,500 | $ 136,000 |
| Nolan, Texas | 4 | $ 230,000 | $ 57,500 | $ 70,000 |
| Sabine, Texas | 4 | $ 700,000 | $ 175,000 | $ 66,000 |
| Van Zandt, Texas | 4 | $ 650,000 | $ 162,500 | $ 122,000 |
| Washington, Texas | 4 | $ 930,000 | $ 232,500 | $ 169,000 |
| Bee, Texas | 3 | $ 285,000 | $ 95,000 | $ 129,000 |
| Bowie, Texas | 3 | $ 115,000 | $ 38,333 | $ 80,000 |
| Cherokee, Texas | 3 | $ 1,675,000 | $ 558,333 | $ 321,000 |
| Comanche, Texas | 3 | $ 305,000 | $ 101,666 | $ 108,000 |
| Houston, Texas | 3 | $ 255,000 | $ 85,000 | $ 70,000 |
| Howard, Texas | 3 | $ 475,000 | $ 158,333 | $ 109,000 |
| Jefferson, Texas | 3 | $ 415,000 | $ 138,333 | $ 169,000 |
| Limestone, Texas | 3 | $ 335,000 | $ 111,666 | $ 112,000 |
| Mason, Texas | 3 | $ 355,000 | $ 118,333 | $ 161,000 |
| Matagorda, Texas | 3 | $ 555,000 | $ 185,000 | $ 150,000 |
| Refugio, Texas | 3 | $ 185,000 | $ 61,666 | $ 105,000 |
| Walker, Texas | 3 | $ 1,405,000 | $ 468,333 | $ 106,000 |
| Anderson, Texas | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Andrews, Texas | 2 | $ 500,000 | $ 250,000 | $ 63,000 |
| Austin, Texas | 2 | $ 220,000 | $ 110,000 | $ 153,000 |
| Brewster, Texas | 2 | $ 480,000 | $ 240,000 | $ 285,000 |
| Callahan, Texas | 2 | $ 420,000 | $ 210,000 | $ 188,000 |
| Chambers, Texas | 2 | $ 140,000 | $ 70,000 | $ 161,000 |
| Eastland, Texas | 2 | $ 160,000 | $ 80,000 | $ 64,000 |
| Gregg, Texas | 2 | $ 270,000 | $ 135,000 | $ 205,000 |
| Grimes, Texas | 2 | $ 770,000 | $ 385,000 | $ 293,000 |
| Hamilton, Texas | 2 | $ 190,000 | $ 95,000 | $ 93,000 |
| Hardin, Texas | 2 | $ 750,000 | $ 375,000 | $ 132,000 |
| Jasper, Texas | 2 | $ 290,000 | $ 145,000 | $ 209,000 |
| Leon, Texas | 2 | $ 280,000 | $ 140,000 | $ 116,000 |
| Montague, Texas | 2 | $ 70,000 | $ 35,000 | $ 19,000 |
| Palo Pinto, Texas | 2 | $ 260,000 | $ 130,000 | $ 266,000 |
| Potter, Texas | 2 | $ 140,000 | $ 70,000 | $ 107,000 |
| Presidio, Texas | 2 | $ 250,000 | $ 125,000 | $ 87,000 |
| Rains, Texas | 2 | $ 200,000 | $ 100,000 | $ 131,000 |
| Real, Texas | 2 | $ 120,000 | $ 60,000 | $ 132,000 |
| San Augustine, Texas | 2 | $ 230,000 | $ 115,000 | $ 146,000 |
| Somervell, Texas | 2 | $ 750,000 | $ 375,000 | $ 158,000 |
| Young, Texas | 2 | $ 100,000 | $ 50,000 | $ 73,000 |
| Baylor, Texas | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Briscoe, Texas | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Brooks, Texas | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Camp, Texas | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| Coleman, Texas | 1 | $ 55,000 | $ 55,000 | $ 179,000 |
| Crane, Texas | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Crosby, Texas | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Dawson, Texas | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Deaf Smith, Texas | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Donley, Texas | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Edwards, Texas | 1 | $ 15,000 | $ 15,000 | $ 252,000 |
| Falls, Texas | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Franklin, Texas | 1 | $ 1,265,000 | $ 1,265,000 | $ 395,000 |
| Freestone, Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Gaines, Texas | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Goliad, Texas | 1 | $ 805,000 | $ 805,000 | $ 421,000 |
| Hansford, Texas | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| Hopkins, Texas | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Jack, Texas | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Jones, Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Kimble, Texas | 1 | $ 175,000 | $ 175,000 | $ 211,000 |
| La Salle, Texas | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Menard, Texas | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Mitchell, Texas | 1 | $ 85,000 | $ 85,000 | $ 129,000 |
| Moore, Texas | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Newton, Texas | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Ochiltree, Texas | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Orange, Texas | 1 | $ 55,000 | $ 55,000 | $ 13,000 |
| San Saba, Texas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Starr, Texas | 1 | $ 45,000 | $ 45,000 | $ 219,000 |
| Stephens, Texas | 1 | $ 265,000 | $ 265,000 | $ 281,000 |
| Titus, Texas | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Zapata, Texas | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Randolph-Brooks Federal Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 10,482 | $1,195,660,000 | $114,000 | $4,005,000 | $136,000 | $2,787,000 |
| Home Purchase | 4,150 | $1,470,400,000 | $354,000 | $4,005,000 | $163,000 | $2,383,000 |
| Refinancing | 593 | $170,665,000 | $287,000 | $2,805,000 | $158,000 | $4,917,000 |
| Home Improvement | 341 | $27,825,000 | $81,000 | $805,000 | $194,000 | $1,214,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 6,277 | $941,735,000 | $150,000 | $3,815,000 | $116,000 | $1,942,000 |
| White | 6,090 | $1,199,880,000 | $197,000 | $4,005,000 | $164,000 | $4,917,000 |
| Not Provided | 1,282 | $279,100,000 | $217,000 | $4,005,000 | $161,000 | $2,383,000 |
| Asian | 910 | $254,190,000 | $279,000 | $2,165,000 | $201,000 | $1,626,000 |
| Black or African American | 811 | $141,945,000 | $175,000 | $1,505,000 | $137,000 | $2,000,000 |
| American Indian or Alaskan Native | 110 | $20,340,000 | $184,000 | $1,685,000 | $165,000 | $1,584,000 |
| Not applicable | 65 | $23,085,000 | $355,000 | $2,805,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 21 | $4,275,000 | $203,000 | $705,000 | $175,000 | $779,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 15,490 | $2,839,390,000 | $183,000 | $4,005,000 | $145,000 | $4,917,000 |
| VA-guaranteed (Veterans Administration) | 42 | $16,130,000 | $384,000 | $1,605,000 | $122,000 | $436,000 |
| FHA-insured (Federal Housing Administration) | 34 | $9,030,000 | $265,000 | $465,000 | $87,000 | $258,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7,141 | $1,107,405,000 | $155,000 | $4,005,000 | $153,000 | $2,383,000 |
| Application Withdrawn By Applicant | 2,679 | $437,955,000 | $163,000 | $2,105,000 | $151,000 | $2,787,000 |
| Application Approved But Not Accepted | 1,519 | $387,455,000 | $255,000 | $4,005,000 | $167,000 | $1,288,000 |
| Application Denied By Financial Institution | 1,448 | $235,840,000 | $162,000 | $4,005,000 | $93,000 | $2,379,000 |
| File Closed For Incompleteness | 1,072 | $161,650,000 | $150,000 | $2,175,000 | $152,000 | $4,917,000 |
| Preapproval Approved but not Accepted | 984 | $324,470,000 | $329,000 | $2,105,000 | $154,000 | $1,260,000 |
| Preapproval Denied by Financial Institution | 692 | $199,470,000 | $288,000 | $1,805,000 | $78,000 | $773,000 |
| Loan Purchased By The Institution | 31 | $10,305,000 | $332,000 | $925,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 13,426 | $2,429,240,000 | $180,000 | $4,005,000 | $154,000 | $4,917,000 |
| Debt-To-Income Ratio | 1,211 | $290,735,000 | $240,000 | $4,005,000 | $68,000 | $691,000 |
| Credit History | 589 | $80,985,000 | $137,000 | $695,000 | $91,000 | $800,000 |
| Collateral | 285 | $48,335,000 | $169,000 | $1,975,000 | $163,000 | $2,379,000 |
| Employment History | 26 | $5,310,000 | $204,000 | $505,000 | $99,000 | $650,000 |
| Other | 16 | $2,700,000 | $168,000 | $805,000 | $117,000 | $517,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,885,000 | $555,000 | $2,805,000 | $57,000 | $113,000 |
| Unverifiable Information | 6 | $3,360,000 | $560,000 | $1,535,000 | $183,000 | $550,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Randolph-Brooks Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Randolph-Brooks Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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